11 February, 2026

Shape your super your way with the Direct Investment option

You might think that to invest your super in shares, ETFs, or term deposits, you’d need to set up a self-managed super fund (SMSF)—but that’s not the only solution.

With the Direct Investment option (DIO) in your CareSuper account, you can take more control and shape your super your way. It lets you select investments that feel right for you, without the paperwork, trustee responsibilities, or cost of running an SMSF. 

What is direct investing through your super?

Direct investing simply means taking a hands-on approach, choosing most of your own investments from our approved list, while CareSuper continues to manage the rest. 

With the DIO, you can build a super portfolio your way. That might include: 

  • S&P/ASX 300 shares 
  • Exchange Traded Funds (ETFs) 
  • Listed Investment Companies (LICs) 
  • Term Deposits 
  • Cash
  • Alongside, at least $6000 in any of CareSuper’s other investment options 

It’s flexible, convenient, and puts you in the driver’s seat, all while still having professional support behind you. 

Who can use the DIO?

If you’ve been thinking of trying direct investing, you’ll just need: 

  • A balance of at least $20,000 
  • Member Online access 
  • A registered email address 
  • A CareSuper Super or Flexible Income account* 

If you have these four things, you can start creating your own portfolio whenever you’re ready. 

Why members choose the DIO

Members often tell us they like the DIO because it gives them more control and flexibility. It’s investing their way, without making super complicated. 

  • More choice, less hassle 
     Pick from S&P/ASX shares, select ETFs, select LICs, term deposits, and cash alongside CareSuper’s other investment options. 
  • Control without the complexity 
     You make the investment decisions, and CareSuper handles the administration. There’s no trust deeds, audits, or extra paperwork required. 
  • Everything in one place 
     Your DIO portfolio sits alongside your other CareSuper investments, so it’s easy to manage. 
  • Tools to help you along 
     Track, trade, and review your investments online, with real-time insights whenever you need them. 

 

A few things to keep in mind

Before you start, it’s worth understanding how fees and risks work. 

Fees

The DIO has competitive fees that cover brokerage, transaction costs, and platform administration. Fees are applied when you buy or sell investments, and a fixed monthly member fee so you’ll always know what you’re paying. 

Risks

Investments can rise and fall in value, so it’s important to understand the risks before you start. Here are a few things to keep in mind: 

  • Short-term changes are normal, and it’s important to focus on your long-term goals. 
  • Concentrating too much in one investment or sector can increase risk. To help you diversify and manage this, there’s a 20% limit on shares, ETFs and LICs. 
  • You choose your own investments, so make sure each one fits your goals, timeline, and comfort level.

If you’re unsure about anything, don’t worry, we’re here to guide you.

 

How to start your own portfolio with the DIO

Getting started is simple: 

  1. Log in to Member Online 
  2. Head to the Investments section (you’ll see the DIO if you’re eligible) 
  3. Add money to your DIO Transaction Account (from $500) 
  4. Start building your portfolio at your own pace 

Most members start small, picking just one or two investments. Others prefer to dive in with a full portfolio. Either way, it’s your super, and you can shape it your way. 

We’re here to help

If you’d like to explore a more hands-on approach to your super, the Direct Investment option is a great place to start.  Give us a call on 1800 005 166 and one of our team can walk you through your options, or take a look at the details of the Direct Investment option on our website. 

For detailed instructions on how to set up your DIO account you read our step-by-step guide. 

* The DIO isn’t available for TTR Income, Managed Income, Term Allocated Pension, or Defined Benefit accounts. 

 

This is general information only and doesn’t take into account your objectives, financial situation or needs. Before making a decision about CareSuper, you should consider if this information is right for you. You may also wish to consult a licensed financial adviser. 
Before making a decision about CareSuper, you should consider if this information is right for you and read our Product disclosure statement, Target market determination and Financial services guide. These are available at caresuper.com.au/pds or by calling 1800 005 166. 
Past performance isn’t a reliable indicator of future performance. The value of investments can rise or fall, and investment returns can be positive or negative. 
CareSuper Pty Ltd (Trustee) ABN 14 008 650 628, AFSL 238718. CareSuper (Fund) ABN 74 559 365 913. Advice is provided by CareSuper Advice ABN 78 102 167 877, AFSL 284443. Consider the PDS and TMD at caresuper.com.au/pds. A copy of the Financial services guide for CareSuper is available at caresuper.com.au/fsg. 

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